丰富绿色保险产品体系

Core Viewpoint - The article emphasizes the importance of green finance in supporting China's transition to a low-carbon economy, highlighting the need for effective financial market support to achieve green upgrades in traditional industries and the development of green industries [1][3]. Green Finance Development - China's green finance market is experiencing simultaneous growth in both quantity and quality, with significant advancements in green insurance [1]. - The "ESG loan + insurance" model is emerging as a practical approach to enhance corporate sustainability, reduce financing costs, and improve accessibility to financing [1]. Green Insurance Product System - There is a necessity to enrich the green insurance product system, focusing on risk protection for green low-carbon technology innovation and green manufacturing projects [2]. - The development of carbon insurance, environmental pollution liability insurance, and catastrophe insurance is crucial for enhancing the ability to respond proactively to ecological challenges [2]. ESG Performance and Corporate Value - Good ESG performance can help companies mitigate risks and enhance trust during crises, significantly improving corporate performance and long-term value [3]. - The lack of unified standards for ESG information disclosure and the prevalence of "greenwashing" hinder the deep development of green insurance [3]. Institutional and Capability Building - There is a need for further refinement of the green connotation of green industries and the establishment of an information-sharing mechanism to ensure accurate and timely information access [3]. - The insurance industry should enhance its technological and data-driven innovation capabilities, focusing on environmental risk assessment and disaster prevention services [3]. Product and Service Innovation - Exploring commercial models such as "insurance + loans" and "insurance + carbon quotas" can provide intrinsic motivation for micro-enterprises to undergo green transformation [4].